Ideal Accounts and Appetite
We can help you place accounts for a broad spectrum of contractor-related clients, including:
- General Contractors
- Artisan Contractors
- Service Contractors
- Building Supply Dealers
- Specialty Contractors
Whether your client is a one-person plumbing operation or a regional electrical contractor with a fleet of vans, our program can offer tailored solutions to address their business auto insurance needs.
Coverage Highlights and Advantages
Our carriers offer a variety of coverage options to support commercial auto risks, including:
- Auto Liability and Physical Damage
- Hired and Non-Owned Auto Liability
- Symbol 1 (Any Auto) Available in Some Cases
We work with multiple carriers, which allows us to present your clients with competitive options and flexible underwriting. Our team understands the unique exposures contractors face on the road—and we’re here to help you find the right fit for each account.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the account’s size, class, and location. We’re able to review everything from small contractor fleets to more complex risks. Appetite may vary by carrier, so call us to discuss fit and availability for your specific client.
Territories and Availability
We offer Contractors Business Auto Insurance in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Some markets are admitted, depending on the state and carrier.
Why Work With Insential, Inc.
As an experienced Excess & Surplus Lines Broker, Insential brings responsive service, market access, and underwriting expertise to agents and brokers across the country. We understand contractors’ unique vehicle usage and risk profiles, and we work hard to provide coverage solutions that meet your clients’ operational needs.
Have a client expanding their fleet? Or a small contractor needing symbol 1 coverage? We’re here to help you place these opportunities quickly and competitively.
Call Insential, Inc. today to discuss your Contractors Business Auto Insurance submissions – 888-571-6160
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for general, artisan, service, and specialty contractors, as well as building supply dealers with commercial vehicle needs.
Can you write single vehicles or only fleets?
We can accommodate a range of fleet sizes, from single-unit contractors to large commercial fleets.
Is Symbol 1 coverage available through this program?
Yes, Symbol 1 (Any Auto) coverage may be available depending on carrier guidelines and account qualifications.
Are the carriers admitted or non-admitted?
Some admitted markets are available, but availability varies by state and carrier. We also work with non-admitted markets as needed.
What states is this program available in?
This program is available in most U.S. states, including CA, TX, FL, NY, IL, and many others. Contact us to confirm availability in your state.
Need help placing an account? Connect with a market specialist.